Interamerican Bank, a Federal Savings Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which fell 0.50 percentage points to 10.86%. Within Florida, Interamerican Bank, a Federal Savings Bank is 15th of 56 on CET1 ratio, 17.88% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Interamerican Bank, a Federal Savings Bank sits 2.81 points higher, at 17.88% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.88% |
| Tier 1 risk-based capital ratio | 17.88% |
| Total risk-based capital ratio | 19.14% |
| Tier 1 leverage ratio | 11.21% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $38.6M |
| Tier 1 capital | $38.6M |
| Total risk-based capital | $41.4M |
| Total equity capital | $38.6M |
| Risk-weighted assets | $216.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.86% |
| Tangible equity to tangible assets | 10.86% |
| Equity capital to average assets | 11.21% |
| Internal capital growth rate | 4.91% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $1.5M |
| Retained earnings | $37.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 21.42% | 21.42% | 22.69% | 13.23% | $160.6M |
| Q4 2023 | 20.34% | 20.34% | 21.61% | 13.45% | $168.7M |
| Q1 2024 | 19.35% | 19.35% | 20.62% | 13.53% | $179.4M |
| Q2 2024 | 18.68% | 18.68% | 19.94% | 13.17% | $189.3M |
| Q3 2024 | 18.58% | 18.58% | 19.84% | 13.37% | $193.1M |
| Q4 2024 | 18.79% | 18.79% | 20.05% | 13.65% | $192.4M |
| Q1 2025 | 19.70% | 19.70% | 20.96% | 13.86% | $185.6M |
| Q2 2025 | 18.98% | 18.98% | 20.25% | 13.43% | $195.6M |
| Q3 2025 | 18.89% | 18.89% | 20.16% | 12.96% | $199.9M |
| Q4 2025 | 18.61% | 18.61% | 19.87% | 12.14% | $202.7M |
| Q1 2026 | 18.50% | 18.50% | 19.76% | 11.67% | $206.3M |
| Q2 2026 | 17.88% | 17.88% | 19.14% | 11.21% | $216.1M |
Interamerican Bank, a Federal Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Interamerican Bank, a Federal Savings Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Interamerican Bank, a Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31823) · FFIEC NIC profile (RSSD 221775)